CHOICEONE FINANCIAL SVCS INC (COFS) Fundamental Analysis & Valuation

NASDAQ:COFS • US1703861062

Current stock price

30.94 USD
+1.13 (+3.79%)
At close:
30.94 USD
0 (0%)
After Hours:

This COFS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. COFS Profitability Analysis

1.1 Basic Checks

  • COFS had positive earnings in the past year.
  • In the past year COFS had a positive cash flow from operations.
  • In the past 5 years COFS has always been profitable.
  • COFS had a positive operating cash flow in each of the past 5 years.
COFS Yearly Net Income VS EBIT VS OCF VS FCFCOFS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M

1.2 Ratios

  • The Return On Assets of COFS (0.64%) is worse than 77.72% of its industry peers.
  • COFS has a Return On Equity of 6.05%. This is in the lower half of the industry: COFS underperforms 77.45% of its industry peers.
Industry RankSector Rank
ROA 0.64%
ROE 6.05%
ROIC N/A
ROA(3y)0.82%
ROA(5y)0.87%
ROE(3y)9.06%
ROE(5y)10.22%
ROIC(3y)N/A
ROIC(5y)N/A
COFS Yearly ROA, ROE, ROICCOFS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • COFS has a worse Profit Margin (17.42%) than 79.31% of its industry peers.
  • In the last couple of years the Profit Margin of COFS has declined.
  • COFS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 17.42%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-15.67%
PM growth 5Y-3.81%
GM growth 3YN/A
GM growth 5YN/A
COFS Yearly Profit, Operating, Gross MarginsCOFS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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3

2. COFS Health Analysis

2.1 Basic Checks

  • COFS does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, COFS has more shares outstanding
  • COFS has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for COFS has been reduced compared to a year ago.
COFS Yearly Shares OutstandingCOFS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
COFS Yearly Total Debt VS Total AssetsCOFS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.2 Solvency

  • COFS has a debt to FCF ratio of 1.92. This is a very positive value and a sign of high solvency as it would only need 1.92 years to pay back of all of its debts.
  • COFS has a Debt to FCF ratio of 1.92. This is comparable to the rest of the industry: COFS outperforms 48.81% of its industry peers.
  • COFS has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
  • COFS's Debt to Equity ratio of 0.10 is fine compared to the rest of the industry. COFS outperforms 66.05% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.92
Altman-Z N/A
ROIC/WACCN/A
WACC13.17%
COFS Yearly LT Debt VS Equity VS FCFCOFS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
COFS Yearly Current Assets VS Current LiabilitesCOFS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2023 2024 2025 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. COFS Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 12.62% over the past year.
  • The Earnings Per Share has been decreasing by -0.55% on average over the past years.
  • The Revenue has grown by 74.97% in the past year. This is a very strong growth!
  • COFS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 17.00% yearly.
EPS 1Y (TTM)12.62%
EPS 3Y-13.76%
EPS 5Y-0.55%
EPS Q2Q%16.46%
Revenue 1Y (TTM)74.97%
Revenue growth 3Y25.73%
Revenue growth 5Y17%
Sales Q2Q%57.97%

3.2 Future

  • COFS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.06% yearly.
  • COFS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.19% yearly.
EPS Next Y-2.47%
EPS Next 2Y1.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.95%
Revenue Next 2Y6.19%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
COFS Yearly Revenue VS EstimatesCOFS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
COFS Yearly EPS VS EstimatesCOFS Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 2027 1 2 3

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4

4. COFS Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 8.45, the valuation of COFS can be described as reasonable.
  • COFS's Price/Earnings ratio is rather cheap when compared to the industry. COFS is cheaper than 93.63% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.87, COFS is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 8.67, the valuation of COFS can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of COFS indicates a rather cheap valuation: COFS is cheaper than 89.39% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 38.51, COFS is valued rather cheaply.
Industry RankSector Rank
PE 8.45
Fwd PE 8.67
COFS Price Earnings VS Forward Price EarningsCOFS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of COFS indicates a slightly more expensive valuation: COFS is more expensive than 71.88% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 18.4
EV/EBITDA N/A
COFS Per share dataCOFS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y1.06%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. COFS Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.83%, COFS has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.54, COFS pays a better dividend. On top of this COFS pays more dividend than 85.15% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, COFS pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.83%

5.2 History

  • On average, the dividend of COFS grows each year by 11.45%, which is quite nice.
  • COFS has been paying a dividend for at least 10 years, so it has a reliable track record.
  • COFS has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)11.45%
Div Incr Years14
Div Non Decr Years16
COFS Yearly Dividends per shareCOFS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • COFS pays out 60.15% of its income as dividend. This is not a sustainable payout ratio.
  • COFS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP60.15%
EPS Next 2Y1.06%
EPS Next 3YN/A
COFS Yearly Income VS Free CF VS DividendCOFS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
COFS Dividend Payout.COFS Dividend Payout, showing the Payout Ratio.COFS Dividend Payout.PayoutRetained Earnings

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COFS Fundamentals: All Metrics, Ratios and Statistics

CHOICEONE FINANCIAL SVCS INC

NASDAQ:COFS (4/17/2026, 8:03:28 PM)

After market: 30.94 0 (0%)

30.94

+1.13 (+3.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)04-29
Inst Owners40.96%
Inst Owner Change0%
Ins Owners5.51%
Ins Owner Change0.15%
Market Cap463.48M
Revenue(TTM)161.74M
Net Income(TTM)28.18M
Analysts80
Price Target35.02 (13.19%)
Short Float %1.65%
Short Ratio2.64
Dividend
Industry RankSector Rank
Dividend Yield 3.83%
Yearly Dividend1.41
Dividend Growth(5Y)11.45%
DP60.15%
Div Incr Years14
Div Non Decr Years16
Ex-Date03-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.37%
Min EPS beat(2)0.03%
Max EPS beat(2)10.71%
EPS beat(4)4
Avg EPS beat(4)8.3%
Min EPS beat(4)0.03%
Max EPS beat(4)14.38%
EPS beat(8)7
Avg EPS beat(8)9.36%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-4.93%
Min Revenue beat(2)-13.93%
Max Revenue beat(2)4.07%
Revenue beat(4)2
Avg Revenue beat(4)-3.07%
Min Revenue beat(4)-13.93%
Max Revenue beat(4)4.07%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)2.49%
PT rev (3m)-2.83%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.21%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.94%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.5%
Valuation
Industry RankSector Rank
PE 8.45
Fwd PE 8.67
P/S 2.87
P/FCF 18.4
P/OCF 14.57
P/B 1
P/tB 1.52
EV/EBITDA N/A
EPS(TTM)3.66
EY11.83%
EPS(NY)3.57
Fwd EY11.54%
FCF(TTM)1.68
FCFY5.43%
OCF(TTM)2.12
OCFY6.86%
SpS10.8
BVpS31.06
TBVpS20.32
PEG (NY)N/A
PEG (5Y)N/A
Graham Number50.5786 (63.47%)
Profitability
Industry RankSector Rank
ROA 0.64%
ROE 6.05%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.42%
GM N/A
FCFM 15.57%
ROA(3y)0.82%
ROA(5y)0.87%
ROE(3y)9.06%
ROE(5y)10.22%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-15.67%
PM growth 5Y-3.81%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.92
Debt/EBITDA N/A
Cap/Depr 33.35%
Cap/Sales 4.1%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 89.39%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC13.17%
ROIC/WACCN/A
Cap/Depr(3y)27.08%
Cap/Depr(5y)22.43%
Cap/Sales(3y)3.73%
Cap/Sales(5y)3.21%
Profit Quality(3y)154.58%
Profit Quality(5y)161.56%
High Growth Momentum
Growth
EPS 1Y (TTM)12.62%
EPS 3Y-13.76%
EPS 5Y-0.55%
EPS Q2Q%16.46%
EPS Next Y-2.47%
EPS Next 2Y1.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)74.97%
Revenue growth 3Y25.73%
Revenue growth 5Y17%
Sales Q2Q%57.97%
Revenue Next Year7.95%
Revenue Next 2Y6.19%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-46.34%
FCF growth 3Y-16.88%
FCF growth 5Y30.6%
OCF growth 1Y-34.6%
OCF growth 3Y-10.93%
OCF growth 5Y30.27%

CHOICEONE FINANCIAL SVCS INC / COFS Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for CHOICEONE FINANCIAL SVCS INC?

ChartMill assigns a fundamental rating of 4 / 10 to COFS.


What is the valuation status of CHOICEONE FINANCIAL SVCS INC (COFS) stock?

ChartMill assigns a valuation rating of 4 / 10 to CHOICEONE FINANCIAL SVCS INC (COFS). This can be considered as Fairly Valued.


How profitable is CHOICEONE FINANCIAL SVCS INC (COFS) stock?

CHOICEONE FINANCIAL SVCS INC (COFS) has a profitability rating of 2 / 10.


What is the financial health of CHOICEONE FINANCIAL SVCS INC (COFS) stock?

The financial health rating of CHOICEONE FINANCIAL SVCS INC (COFS) is 3 / 10.


How sustainable is the dividend of CHOICEONE FINANCIAL SVCS INC (COFS) stock?

The dividend rating of CHOICEONE FINANCIAL SVCS INC (COFS) is 7 / 10 and the dividend payout ratio is 60.15%.